they did a study, which is understandable. ,omeone wrote into the magazine and he said, look, this is not hard. was born in germany and came to silicon valley when i was 30. i have lived here for 20 years. germany, if you ever fail at anything, especially if you should ever go bankrupt, you even yourally not get phone calls returned, much less an actual point meant with somebody with money -- an appointment with somebody with money. here in silicon valley, we wear our bankruptcies the way prussian officers used to wear their dueling scarfs. ave often thought that is marvelous example of the american spirit of creativity.